In health insurance, deductibles are generally used for some low medical expenses.

In health insurance, deductibles are generally used for some medical expenses with lower amounts, that is, the insurer is only responsible for compensating the part that exceeds the deductible.

One is the deductible clause. Deductible clause is a common clause in health insurance contracts, and it is also one of the important features that distinguish health insurance contracts from other life insurance contracts.

The basic content of this clause is that when the agreed insurance accident occurs, the insured must pay part of the medical expenses himself before the insurance company pays the insurance money, that is, the insurer is only responsible for compensating the part of his medical expenses that exceeds the deductible.

Second, it is the clause of this proportional payment. This proportional payment clause is actually called * * * guarantee clause. The proportional compensation clause stipulates that if the medical expenses exceed the deductible, the insurer and the insured shall share the proportional compensation.

Generally speaking, the insured needs to pay 20%-30%, and the rest is borne by the insurance company. This regulation is to control the total medical expenses of the insured when receiving treatment.

Extended data

Deductible clause is one of the main features of medical insurance. In health insurance, deductible is generally used for some medical expenses with lower amount, that is, the insurer is only responsible for the part that exceeds the deductible.

On the one hand, the insured can afford lower medical expenses; At the same time, after the deductible is stipulated, a lot of work invested by the insurer can be saved. On the other hand, the provision of deductible can urge the insured to strengthen self-control of medical expenses and avoid unnecessary waste.

There are generally three kinds of deductible designs: one is a single indemnity deductible, that is, each indemnity determines a deductible; The second is the annual deductible, that is, according to the total annual compensation, it will be paid only if it exceeds a certain amount;

The third is the collective deductible, that is, for group insurance, after the deductible is stipulated, the small medical expenses are paid by the insured and the large medical expenses are borne by the insurer. If it is family insurance, the deductible can be agreed on the basis of the sum of the expenses of all family members.

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